3. Benefit Programs3. Benefit Programs
301 Employee Benefits
Employees of the WRLC are eligible for a variety of benefits. Some, such as Social Security, workers' compensation, state disability, and unemployment insurance cover all employees in the manner prescribed by law. Eligibility for other benefits is dependent on a number of factors, including employee classification. Some benefit programs require contributions from employees, but many are fully paid by the WRLC.
302 Workers' Compensation Insurance
Employees are provided with Workers Compensation Insurance at no cost to the employee, which covers any injury incurred during the performance of their job. You should report any work-related injury as soon as possible to your supervisor or the Director of Finance & Administration, even if it appears to be minor. Failure to report an injury could result in loss of benefits.
Following an eligible workers’ compensation claim, employees returning to work must provide proof of rehabilitation or treatment from a licensed physician and verification that they are able to complete all job-related tasks. Once a physician has verified that the employee can resume all job-related tasks, he/she will no longer receive workers’ compensation benefits.
303 Health and Dental Insurance
The WRLC's health and dental insurance plans provide full time employees and their dependents access to medical and dental insurance benefits from the date of hire. The WRLC pays 80% of the monthly premium for single coverage of the employee, and 65% for employees electing coverage other than single. The remaining 20% and 35% respectively, are the employee’s responsibility and may be paid through pre-tax salary reduction. Details of the health insurance plan and costs are described in the Summary Plan Description, which will be provided in advance of enrollment to eligible employees. Contact the Director of Finance & Administration for more information about health insurance benefits.
WRLC participates in a high deductible health plan and expects to contribute 100% of the participant’s deductible, $1,200 for single and $2,400 for other than single. WRLC will fund 50% of the deductible on July 1 and the remaining balance will be funded evenly over the next eleven (11) months. Employees hired during the fiscal year will receive a prorated portion of the deductible based on the number of months remaining in the fiscal year. WRLC will fund 50% of the prorated amount in the first month and the remaining balance over the remaining months in the fiscal year.
Details of the health insurance plan and costs are described in the Summary Plan Description, which will be provided in advance of enrollment to eligible employees. Contact the Director of Finance & Administration for more information about health insurance benefits.
The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives workers and their families who lose their health benefits the right to choose to continue group health benefits provided by their group health plan for limited periods of time under certain circumstances such as voluntary or involuntary job loss, reduction in the hours worked, transition between jobs, death, divorce, and other life events. Qualified individuals may be required to pay the entire premium for coverage up to 102 percent of the cost to the plan.
Because the WRLC has fewer than 20 employees, anyone 65 and older will generally need to sign up for Medicare Part A and Part B during the three months prior and three months after the month they turn 65. Delaying enrollment may result in a late enrollment penalty of 10%, possibly for life. The WRLC will reimburse employees using Medicare up to an amount comparable to what is provided through the WRLC health plan. To be eligible, employees must participate in the WRLC’s healthcare coverage for at least three years prior to their enrollment in Medicare. The level of WRLC assistance is based on the employee’s coverage (single, double, family) when they leave the WRLC plan and enroll in Medicare.
304 Flexible spending Account (FSA)
Flexible Spending accounts provide the employee with an important tax advantage that can help you pay health care and dependent care expenses on a pretax basis.
The FSA lets employees pay for certain IRS approved medical expenses using pretax dollars. The WRLC has set the health care FSA limit to $2,000.
WRLC also participates in the FSA for Dependant Care which allows employees to use pretax dollars toward qualified dependent care such as daycare for children or caring for elders. The annual maximum amount you may contribute to the Dependant Care FSA is $5,000.
Participation in either of these FSA programs starts at the beginning of each fiscal year (July 1).
305 Life Insurance
The WRLC provides a fully paid life insurance plan for regular full time employees with coverage equal to the employee's annual salary (to a maximum of $100,000), with an additional $15,000 of life insurance coverage provided after the first 30 days of employment. The plan begins from the date of hire. The life insurance plan also includes Accidental Death and Dismemberment insurance coverage.
Details of the life insurance plan, including benefit amounts, are described in the Summary Plan Description provided to eligible employees. Contact the Director of Finance & Administration for more information.
306 Short-Term Disability
Regular full time employees are eligible for Short-Term Disability coverage from the date of hire, fully paid by the WRLC. If the employee becomes disabled from a non work related injury or sickness, disability income benefits are provided as a source of income. You are not eligible to receive short term benefits if you are receiving workers’ compensation.
The short term disability insurance plan begins to pay benefits after a 15 day waiting period; the benefit schedule pays 60% of weekly salary, a maximum of $1,500 per week, up to 11 weeks. Details of the short term disability plan, including benefits and conditions, are described in the Summary Plan Description available from the Director of Finance & Administration.
307 Long-Term Disability Benefits
The WRLC provides long-term disability benefits for regular full-time employees. Long-term disability is designed to ensure continuing income for employees medically disabled and unable to work. The plan begins to provide benefits 90 days after the employee becomes disabled. The plan pays 60% of the employee’s monthly salary, up to a monthly maximum of $5,000, continuing to the normal Social Security retirement age. Details of the long-term disability plan, including benefits and conditions, are described in the Summary Plan Description available from the Director of Finance & Administration.
308 Retirement Benefits
The WRLC has established a 403(b) retirement plan with TIAA-CREF to collaboratively invest in your future.
To be eligible to participate in the retirement program, you must complete one-year full-time service and be 21 years of age or older. The one-year waiting period will be waived if you have at least one year of service at any non-profit institution (501[c]).
Each eligible employee is required to make an annual contribution of $200 or 1% of salary, whichever is less, and may optionally contribute up to 5% of salary. The WRLC makes a minimum contribution of 5% of the employee's salary and also matches whatever the employee contributes, up to a maximum of 5%. For example, an employee contributing the minimum of 1% of their salary would receive an additional contribution from the WRLC of 6%, for a total of 7%. An employee who contributes the maximum of 5% would receive an additional contribution from the WRLC of 10%, for a total of 15% of the employee’s salary.
If an employee is ineligible to receive contributions from the WRLC during their first year of employment, the employee may make their own contributions to a TIAA-CREF retirement account.
Because the employee's contribution is automatically deducted from earnings, before federal and state tax withholdings are calculated, the employee saves tax dollars now by having the current taxable amount reduced. While the amounts deducted generally will be taxed when they are finally distributed, favorable tax rules typically apply to 403(b) distributions.
Complete details of the TIAA-CREF retirement plan are described in the Summary Plan Description provided to eligible employees. Contact the Director of Finance & Administration for more information.
309 Training and Professional Development
The WRLC recognizes that the skills and knowledge of its employees are critical to its success. Employees and supervisors are encouraged to identify training and professional development opportunities that will enhance and improve job-related skills, knowledge and understanding.
The WRLC will pay for training and related travel expenses approved in advance by the employee's supervisor. Regular full and part-time employees are eligible. Training that is required by the supervisor will be paid in full. Educational opportunities that would be beneficial, but not required by the supervisor, may be reimbursed at less than 100%.
WRLC employees who are matriculated in an accredited graduate program that is directly relevant to their position responsibilities at WRLC may request tuition support of 50% of tuition up to a maximum of $1000 per semester. Each employee may receive a maximum of $2,000 tuition reimbursement per fiscal year. Tuition reimbursement will be processed on a semester-to-semester basis upon successful completion of each course demonstrated by presentation of a transcript or certificate of grades.
Attendance at training and professional development programs is covered by administrative leave and does not count against the employee’s vacation. Attendance for graduate coursework is not covered by administrative leave.
If an employee voluntarily separates from the WRLC's employment within six months of a training or professional development program having a registration fee of $1,500 or more, the employee will be required to repay 50 percent of the registration cost. The WRLC has the right to reduce the final paycheck by the outstanding balance.
310 Business Travel
The WRLC will reimburse employees for reasonable business travel expenses incurred while on assignments away from the normal work location. Approved costs of travel, meals, lodging, taxi, public transportation, tolls and parking directly related to accomplishing business objectives will be reimbursed. Employees are expected to limit expenses to reasonable amounts.
Employees should submit travel expense reports, including receipts for all individual expenses, no later than 30 days after completion of travel or by June 30 of the current fiscal year (whichever is sooner).
Employees are permitted to combine personal travel with business travel, as long as time away from work is approved in advance. Additional expenses arising from non-business travel are the responsibility of the employee.
Abuse of this business travel policy, including falsifying expense reports to reflect costs not incurred by the employee, can be grounds for disciplinary action, up to and including termination of employment.
Use of Vehicles for Business Travel
While on WRLC business, employees using their personal vehicles or vehicles leased or rented by the WRLC are expected to obey traffic laws and to operate the vehicle in a safe manner. Employees who are involved in an accident while traveling on business must promptly report the incident to their supervisor.
Employees who use their personal vehicles for approved business purposes will receive a mileage allowance based on the current IRS standard mileage rates.
Local Business Travel
WRLC employees on assignment, attending conferences, meetings or training in the Washington, D.C. metropolitan area will be reimbursed for approved travel expenses, whether by car (including tolls and parking), taxi, or public transportation, minus the expenses they would typically incur traveling to the WRLC. For example, an employee typically drives 20 miles roundtrip between home and the WRLC, equivalent to $10 if reimbursed at $0.50 per mile. To attend a meeting at GW, the employee drives 50 miles round trip and would be reimbursed $15, which is $25 for driving 50 miles at $0.50 per mile minus $10 for the employee’s typical commute to the WRLC. If the employee were to take Metro to GW, they would be entitled to full reimbursement of expenses minus the employee’s typical $10 commuting expense.
Mileage reimbursement is based on the current IRS standard mileage rates.
Employees will not be reimbursed for meals during local assignments, meetings or conferences.
Out of Town Travel
All business travel outside the Washington, D.C. metropolitan area must be approved in advance by the employee's supervisor. Employees should submit a travel request (email is acceptable) as early as possible outlining the destination, dates, purpose, and estimated cost of the out-of-town travel. Travel outside of the United States and Canada requires explicit approval by the Executive Director.
Employees are expected to arrange their own travel and lodging but must submit complete documentation for reimbursement. The WRLC will not be responsible for reimbursing travel expenses for unapproved trips or for changes or cancellations made by the employee due to personal reasons. Employees are to use the most expedient mode of transportation available, to book reasonable fares, and to stay and eat at moderately-priced establishments. The WRLC will reimburse a maximum of $50 per day for meals, with a maximum of $30 for any one meal.
Abuse of this business travel expenses policy, including falsifying expense reports to reflect costs not incurred by the employee, can be grounds for disciplinary action, up to and including termination of employment.
The WRLC will reimburse, in accordance with WRLC travel polices, all expenses for required travel.
The WRLC encourages its employees to participate in professional associations and conferences, and will reimburse registration and travel-related expenses up to a maximum of $1,250 for any one conference unless approved in writing by the Executive Director prior to incurring the expense.